Finding the Money to finish fixing my basement for Airbnb and New 3 family Build

[Gershom Lewis]

Good Day Bigger Pockets,

It seems that I reached a road block. I need additional funds to finish my basement, and to start builiding a new house on the lot next door to my present three family. How do I get funds without tanking my 750+ credit score? I can't take out any more loans that will hit my personal credit reports. I was already told I have to many accounts, even though the utilization is under 10%. I have three consolidation loans in which I can't remove the inquiries since they are current loans. I tried, and was told they are active accounts. I understand that, but makes my situation a bit more difficult. One option is to wait three months, and get some business credit cards under a new business I started so that it does not hit my personal. I need 20K to finish the basement for airbnb, and money for the site engineers to start my sub-division next door. Lawyer has been paid, Architect already has a down payment in which he created some plans already. Im not sure my next steps. My income is great, and my credit reports are spotless. Just don't have 20K to get me over this hump.

I am almost there, I can see the light but it gets further away when I think I am close. Once all said in done, I will have additional income from the basement, and a new three family house built which will give me additional income.

*Maybe apply to some lenders, and use the money on the credit cards to fund the projects? Also make sure I ask for enough to make sure I stay under 25% Utilization? Any feed back is great.

Thank you,

Gershom